Wednesday November 19, 2008 - Holiday Gifting: Ways to Save

[0:01]..." will be the challenge this year and we're looking at that with certified financial planner. Dili and today we're asking the question who makes the list why do like Canada sit down and hand and make analyst -- planning to buy four. Go over that list and go over again and think about eliminating. Viewing your neighbors exchange gifts in -- started in Selena when the kids were little and you -- token things. Other permanently ensconced and you list your sister brought a -- Wisconsin every year they sing you something for those food catalogs -- with a make believe cheese that comes girls. And you wonderful and you send them I am from the state of its. You know even doing this for twenty years. Pared down new risk in your coworkers your family your friends and that probably is overwhelmed as you're of course and pared down list. Who should be analyst with your destiny and write down -- per cents for each person. And put a dollar amount next to browse the Internet check out catalogs newspaper -- much that item should be costing. And start -- When your outlook on atmosphere holidays it's so easy to overspend "...

[1:14]..." need to really do some serious planning if you want to be snowbird there's truly more to it. The just forwarding your mail after some homework you do. It pretty -- primary residence to be where we spend more than six months Florida Arizona Nevada Massachusetts. Where you want to vote to register your car insure your car pay state income taxes do you want to pay state income taxes. You cannot be a full time resonant in two states. You'll be a resident of one state and a visitor to the "...

[0:00]..." Here on WBZ news radio 1030 with certified financial planner Dili this week we're going to fly where the snow birds to people people want to fly away. And the migration is beginning "...

[0:31]..." you know according to a University of Florida study almost one million snowbird flock to Florida staying five months on an average. A Massachusetts is -- has some of the largest numbers of snow birds "...

[0:00]..." On WBZ news radio 1030 with certified financial planner Dili. This week we're looking at -- raking up. It's hard to do it is we know the song breaking up is hard to do let's begin at the beginning and that's understanding the divorce process slanting when it started a research for the series -- and MS and money has. Divorce is a lot to do with finances and other home -- and up -- a title are article titled how to lead your husband at a if so commonplace. But there was another article just this week how to leave your wife but same author. Compare the articles basically giving the same financial advice for right sex and divorce is as commonplace as some buying new comment today Anthony missiles scary 50% of marriages end in divorce in general divorces -- by wanna yes and following a divorce a woman's standard you know. And that the children's drop by an average twenty some percent. And new studies are showing that children to suffer much more trauma than originally thought after divorce. Menu in an average -- China later in life that doesn't appear to be slowing down the -- In the past decade there's been an increase in divorce rates among the boomers. Individuals in their fifties -- waking up and saying was this person lying next 2030 years of marriage thinking okay let's find somebody new rates you know it's boring to kids are gone houses and D. Job is boring so they think okay -- youth by husband and wife that's going to spend if things. -- industry should go into married thinking that it will be ending but she should do some planning. If you weren't a spouse that does not handle the money your family used to be looking over the shoulders a spouse who does. It's a financial as well as an emotional partnership. A recent poll revealed that less than 40% of couples ever talked about money before China. -- need to understand your family assets are and where -- car. Who owns those assets owned jointly. What's -- income there're people you know come to my seminars no idea none of their family income now so there -- one of the family's expenses. What assets did you bring into the marriage it's the divorce where it comes -- deal with it. Don't think it's going to go away get some professional help that means an attorney and that means of financial advisor that may mean a mediator. And you don't share the same ones with your spouse it's hard to serve two masters -- should have your own attorney okay breaking up hard to do will take a look "...